Obtaining great credit is pretty easy if you have the right tools.
1. Obtain a free credit report from www.annualcreditreport.com (no credit card info needed)
2. Dispute EVERYTHING. Most people don't know that these agencies that call and harass you have to prove that you owe them money so dispute it.
3. Write a pay to delete letter. Basically your telling the credit agency that I am not taking responsibility for this debt however if you can prove it's mines I will pay the debt but your company has to take it off my credit report COMPLETELY. Not list it as paid but wipe my debt clean ( Only send this letter if you have the money to pay. If you donor have the funds to cover the debt DO NOT SEND THE LETTER).
4.Apply for a Secured credit card from Bank of America or Orchard Bank. A secured credit card is when the consumer puts a deposit down on a CC from 300- 4900 and that is your spending limit. At the end of a year the bank will refund your deposit back.
Once you fix your credit PAY YOUR BILLS ON TIME. Even if you have to pay with automatic bill pay. Just do it.
Comment if you have any questions, I will answer them all.
Also put your email in the comment box for a copy of the pay to delete letter.
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